Harris Kyriakides

Preparation of legal documents related to the banking sector

Senior Associate

Margarita Avraam is a Senior Associate in the Banking and Finance Department at Harris Kyriakides, recognised for her extensive litigation experience, particularly in representing major financial institutions in Cyprus. Her legal practice covers complex litigation, debt recovery, foreclosure process and enforcement measures.

Margarita holds an LLB and a General LLM from the University of Cyprus and was admitted to the Cyprus Bar in 2018.

Recent Practice

Representing banks and credit acquiring companies in complex litigation. Her experience includes handling legal proceedings under the domestic Transfer and Asset Law of 1965 (9/1965). Advising banks on debt enforcement and restructuring agreements, including debt-for-asset swaps and preparation of settlement agreements. Managing the service of legal documents out of jurisdiction under national and EU laws, as well as handling the enforcement of judgments. Providing guidance to banks on purchasing non-performing loan portfolios and internal legal matters. Advising banks and credit acquiring companies in foreclosure proceedings and representing them in Court Proceedings.

English, Greek

Member of the Cyprus Bar, 2018

LLB, University of Cyprus, 2017

LLM, University of Cyprus, 2020